What this code is:
- jKOta04TCo is a referral code for Uzum Bank's official invite bot (@UzumBankRbot), which has more than 47,000 monthly users
- The link opens the bot with the code already attached
Stated plainly:
- Uzum Bank publishes no terms and no reward amount for its referral programme — not on its website, not in its official channels
- This page used to say "45,000 UZS per opened card". That is the inviter's reward rather than yours, and no official source for the figure could be found, so it has been removed
- The bot itself shows the condition that applies — read it when you open it
The card's terms have their own page: free issue, the 0 UZS monthly fee, the cashback rates and the transfer and withdrawal limits are all set out on the Uzum card page. This page covers the referral code only.
How to use it:
- Follow the link — the invite bot opens in Telegram
- Start the bot and read the terms it shows
- Install the Uzum Bank app and order the card
- Collect it at an Uzum Market pickup point or an Uzum Bank card machine
Uzum Bank sets the tariffs and campaign terms and may change them. Check the current conditions on uzumbank.uz or in the app.






